Why is Medicare So Confusing?
Feel lost when trying to figure out Texas Medicare? We can help. Medicare is a federal health insurance program that in general is available to people who:
- are age 65 or older or
- are younger with certain disabilities or
- have End Stage Renal Disease
Medicare pays for some, but not all, of your healthcare needs. For this reason, many beneficiaries choose to enroll in supplemental health insurance that helps to pay for the rest.
There are both Medigap plans and Advantage plans to choose from, and though they work differently from each other, each one will help you to limit your financial exposure under Medicare.
Learn the Parts of Medicare Here
Your Medicare 101 training begins with learning the parts of Medicare. It has several parts which you can learn about on this website in order to understand your Medicare coverage and the cost-sharing you will be responsible to pay.
We find that if you learn the basics first, it is much easier to then understand your supplemental options – why they are necessary, and how they will protect you.
How to Enroll in Medicare in Texas
Just because you turn 65 does not mean you are automatically enrolled in Medicare unless you are already receiving Social Security or Railroad Retirement benefits. Most people need to enroll in Medicare, and this can be done at the Social Security office.
For more information, you can visit our page on how to enroll in Medicare page.
Texas Medicare & Group Insurance
Medicare beneficiaries who are still covered by employer group insurance can choose to delay Part B until retirement. It’s up to you. If your employer group coverage has a high deductible and you want some of that covered, you can enroll in Part B. It will coordinate with your Medicare benefits to help lower your overall out of pocket medical expenses.
If you received your Medicare card automatically and wish to delay your enrollment, notify Social Security. You can then later use a special enrollment period to enroll into Part B when you retire or lose your group coverage.
Those who are eligible for Texas Medicare and need assistance with enrolling, can call our office for advice. We offer free assistance in how to enroll in Medicare, and what to do about your supplemental options once you receive your card. Making this decision requires some analysis, such as estimating the cost of your Part B, supplement, and Part D drug.
For help with your Medicare 101 needs, contact us today by phone or you can fill out our online form here: